WO1996035185A1 - Systeme de carte de credit et procede d'utilisation d'une carte de credit selon ce systeme - Google Patents

Systeme de carte de credit et procede d'utilisation d'une carte de credit selon ce systeme Download PDF

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Publication number
WO1996035185A1
WO1996035185A1 PCT/JP1996/000865 JP9600865W WO9635185A1 WO 1996035185 A1 WO1996035185 A1 WO 1996035185A1 JP 9600865 W JP9600865 W JP 9600865W WO 9635185 A1 WO9635185 A1 WO 9635185A1
Authority
WO
WIPO (PCT)
Prior art keywords
credit card
information
credit
card
decision
Prior art date
Application number
PCT/JP1996/000865
Other languages
English (en)
Japanese (ja)
Inventor
Hidehiro Masuda
Original Assignee
Nippon Shinpan Co., Ltd.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Nippon Shinpan Co., Ltd. filed Critical Nippon Shinpan Co., Ltd.
Priority to GB9723058A priority Critical patent/GB2316215B/en
Priority to DE19681381T priority patent/DE19681381B4/de
Priority to KR1019970707492A priority patent/KR100324890B1/ko
Priority to AU51225/96A priority patent/AU698874B2/en
Priority to EP96907725A priority patent/EP0829813A4/fr
Publication of WO1996035185A1 publication Critical patent/WO1996035185A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/343—Cards including a counter
    • G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4033—Local solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1058—PIN is checked locally
    • G07F7/1066—PIN data being compared to data on card
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/12—Card verification

Definitions

  • the present invention relates to a credit card system used for selling products, providing services (hereinafter, products and services are collectively referred to as products, etc.), and particularly facilitates issuance of credit cards to customers. It is about the system to be used. Background technology
  • the usage limit and payment status can be checked without applying for a check card each time a user purchases an individual product. You can purchase by credit just by signing the slip through a simple procedure such as checking.
  • a file called a member master file is created in the large system of the credit bureau after an examination including a detailed credit check at the credit bureau to issue the credit card to the customer.
  • the creation of such a file is usually done by batch processing at regular intervals, and due to the problem that it takes a certain amount of time to complete the member master file, and the creation of the credit card and the mailing period, etc., the credit card is given to the customer. There was a problem that it took a long time to publish.
  • the present invention compensates for these shortcomings of conventional credit sales, enables a credit card to be issued immediately at a store, etc., and can continuously use the credit card, resulting in a highly secure credit card. It provides a credit card system that enables sales. Disclosure of invention
  • the means of communication with other systems that determine whether or not the credit card can be used at least the means of reading the information of the credit card that registered the identification information and management information, and the use of the credit card.
  • the means to judge whether or not to use the credit card the ability to judge whether or not to use the credit card by the own system based on the management information registered in the credit card, and the means to decide whether to judge by the other system side.
  • the self-determination means decides whether or not to use the credit card in the own system, if the credit card of the own system is used or not.
  • a credit card system that has a means to ask the system whether or not to use the credit card and notify or display the judgment result, and the date information that the management information is written on the credit card.
  • the management information is the usage limit information written on the credit card, the means of communicating with other systems that determine whether or not the credit card can be used, and at least the means of reading the information of the credit card on which the identification information is registered.
  • a storage means for registering the management information of each credit card, a means for judging whether or not the credit card can be used, and a system for judging whether or not the credit card can be used based on the above management information.
  • the other system has a decision-making mechanism to decide whether to make a decision, and when using a credit card, it is decided that the decision-making means should judge whether or not the credit force can be used in the own system.
  • the means for determining whether or not the credit card of the own system can be used determines whether or not the credit card can be used, and notifies or displays the result, and the above-mentioned determination means is the credit card on the other system side.
  • the credit card system is equipped with a means to inquire about the availability of the credit card and notify or display the judgment result, and the date when the management information is registered in the storage means.
  • Information the management information is the usage limit information registered in the storage means, and the communication means with other systems that manage the information that determines whether or not the credit card can be used, and at least the identification information.
  • the means for determining whether or not the credit card of the own system can be used is the method of determining whether or not the credit card can be used.
  • a credit card system with a means of doing so, and a first system that primarily manages the legitimacy of the credit card, and a second system that primarily manages the customer's credit information, at least identification and control. It has a credit card having a storage means for describing physical information, and the above-mentioned first
  • the system 1 includes a means for communicating with the second system, a means for reading at least the information of the credit card in which identification information and management information are registered, a means for determining whether or not the credit card can be used, and the means for determining whether or not the credit card can be used. Based on the management information of the remote card, it is possible to use the credit card or not.
  • the decision-making means should determine whether or not the credit card can be used in the own system.
  • the means for determining whether or not the credit card of the first system can be used determines whether or not the credit card can be used and notifies or displays the result, and the means for determining whether or not to use the credit card is on the second system side.
  • the second system is inquired about whether or not the credit card can be used, and the result of the judgment is notified or displayed. It has a first system that mainly manages the correctness of the credit card, a second system that mainly manages the customer's credit information, and a credit card that has at least a storage means that describes the identification information.
  • the first system has a means of communicating with the second system, a means of reading at least the information of the credit card, a storage means of registering the management information of each credit card, and a credit card.
  • the decision-making means decides whether or not to use the credit card in its own system, it is judged whether or not the credit card of the first system can be used, and the result is Is notified or displayed, and when the decision-making means decides that the second system should decide whether or not to use the credit card, the second system is inquired about whether or not the credit card can be used.
  • At least a means to read the information of the system, and a clerk A means of determining whether or not to use a credit card, a means of inquiring about whether or not to use a credit card to another system, and whether or not to use a credit card based on the judgment of whether or not to use a credit card by another system It is equipped with a decision-making means for deciding whether or not to make a decision by the system.
  • the means for determining whether or not to use the credit card in the own system judges whether or not to use the credit card and notifies or displays the result.
  • the self-determination means does not determine whether or not to use the credit card in its own system, how to use the credit card that notifies or displays the judgment result of another system, and it self-determination card
  • the credit card and / or the own system is provided with a usage limit entry field, and a means to update the usage limit column according to the usage status of the customer is provided.
  • Whether or not the credit card can be used is judged based on the result, and the usage limit entry field in the credit card and / or the first system in the usage method of the credit card.
  • the information in the usage limit column is compared with the customer's usage application amount, and the result is used to determine whether or not the credit card can be used. Including things to do, etc.
  • the decision-making means is based on the management information stored in the storage device of the first system or the credit card.
  • the decision-making means decide whether to use the credit card presented by the user on its own system or on the second system side. Decisive factor
  • the decision-making means judges whether or not the credit card can be used and notifies or displays the result, and the decision-making means is on the second system side.
  • the second system side is inquired about the availability of the credit card through communication means, and the judgment result is notified or displayed.
  • the inquiry procedure of the first system asks the second system to determine whether or not the credit card can be used, and the answer of the second system makes the first system self.
  • the first system's approval / disapproval judgment means determines whether or not the credit card can be used, and notifies or displays the result.
  • the judgment result of another system is notified or displayed.
  • FIG. 1 is a diagram illustrating a system of an embodiment of the present invention
  • FIG. 2 is a diagram showing an example of a credit card used in an embodiment of the present invention
  • FIG. 3 is a diagram of processing of an embodiment of the present invention.
  • FIG. 4 is a diagram showing a flow
  • FIG. 4 is a diagram showing a processing flow of another embodiment of the present invention
  • FIG. 5 is a diagram showing an example of a member master file used in the second system of the present invention. The best mode for carrying out the invention
  • FIG. 1 to 3 and 5 are diagrams showing examples for realizing the method and system of the present invention
  • FIG. 1 is a diagram of the first system and the second system as a whole in the present invention
  • Fig. 2 is a diagram showing an example of a credit card used in the present invention
  • Fig. 3 is a processing flow diagram of the system of the embodiment of the present invention
  • Fig. 5 is a member master file used in the second system of the present invention.
  • 1 is the credit card
  • 2 is the identification information entry column of the credit card
  • 3 is the management information entry column
  • 4 is the usage limit column
  • 5 is the usage code column
  • 6 is the expiration date column.
  • 7 is the issuance expiration date column
  • 8 is the PIN code ⁇
  • 10 is the processing device of the first system
  • 11 is the keyboard
  • 12 is the reader / writer of the credit card
  • 13 is the display device
  • 14 is the storage device
  • 15 is.
  • Communication adapters, 20 are processing devices in the second system
  • 21 are keyboards
  • 23 are display devices
  • 24 and 26 are storage devices
  • 25 are communication adapters.
  • the first system is installed at a store that sells credits
  • the second system is a large-scale system of a credit sales company that manages credit information.
  • the retailer has several credit cards 1 that are scheduled to be issued in advance.
  • different identification information for each credit card for example, a number such as 0001 to 000 ⁇ is registered in the first identification information entry column (credit card number column).
  • the credit card in this example is an IC credit card, and identification information and other information are registered in a predetermined area in the memory of the IC credit card.
  • the expiration date information as the management information of the credit card is registered in column 3
  • the usage limit is registered in column 4
  • the usage code, usage expiration date, and issuance expiration date are registered in column 5, respectively. It is described in advance in 6 and 7.
  • Column 8 is the column for registering the customer's PIN when issuing the credit card.
  • the person in charge at the store obtains information such as name, gender, date of birth, etc. from the customer and identifies the customer in a specific manner. Allocate a credit card with the number 0001 and ask the second system for the customer's credit information with the identification number of the credit card.
  • the inquiry can be made online via adapters 15 and 25, or faxed 31 and 32. Can be done offline through talk.
  • the second system searches the file stored in the storage devices 24 and 26 for the creditworthiness of the customer according to the question, and if the creditworthiness is good and credit sales are possible, the first system is used. Notify the system of the above that the issuance of the certificate card is permitted by the same means as described above, and start the registration preparation work of the member master file.
  • the expiration date of the credit card, the user code, etc. are checked, and the customer
  • the PIN enters the date and time after a certain date and time (in this example, two weeks after the issue date) in the management information entry field of the credit card, and use it at the same time.
  • the expiration date can be set to infinity without entering a numerical value meaning infinity or providing column 6 on the credit card.
  • the information described in the management information entry column is provided on the second system side so that the first system side can determine whether or not to use the credit card while the member master registration of the member has not been completed.
  • the contents can be determined arbitrarily.
  • the issue date of the credit card may be registered, and the first system may determine the passage of time from the issue date to the usage date.
  • the usage limit information of the credit card is used as management information to determine whether the customer's suggested usage price exceeds the usage limit of the credit card. , This can also be used as data for making inquiries to the second system described later.
  • the processing device 10 When purchasing a product with the credit card, the product is sold when the user applies for the credit purchase with the credit card.
  • the shop staff inserts the credit card 1 into the reader / writer 12 of the first system.
  • the processing device 10 performs a credit card identification number, a customer identification number, an expiration date check, and other usage code checks.
  • the processing device 10 checks the numerical value in the management information entry column 3.
  • the management information entry column 3 contains the due date information two weeks after the issue date as described above, so the processing device determines whether the use date and time is within the due date, and the above If it is within the due date, the input request for the purchase price is immediately displayed on the display device 13.
  • the processing device 10 checks whether the amount is within the value in the credit card usage limit column, and if it is not within the value, the credit card is sold. Is displayed on the display device 13, and if it is within the value, the password is requested to be entered. If this matches the value of the password of the credit card, the credit card can be sold and the sales procedure After fit, subtract the purchase amount this time from the value in the usage limit column, update the number value in the usage limit column to the subtracted value, and return the credit card.
  • the processing device 10 does not judge whether or not to sell the credit card by its own device, and determines the identification number and the desired amount of use. Inquire to the processing device 20 whether or not to sell the credit card to the customer. The inquiry may be made online via adapters 15 and 25, or offline via fax machines 31, 32, telephone, etc. If the registration of the member master file is completed at that time, the processing device 20 checks the usage balance, payment status (delinquency information), invalid data, etc. of the registered member master file, and wishes to use it. It checks whether the amount is within the usage limit, answers whether it is possible or not to the first system, and on the first system side, the person in charge sells the credit according to the answer.
  • the second system When the registration of the master file is not completed, the second system notifies the first system to that effect, and the first system determines whether or not to sell the credit inside the own device according to the self-help procedure. ..
  • the authorization card issued on the first system side in this way has the amount stated in the limit column of the credit power (for example, 30) before the member data is registered on the second system side. It functions as a credit card with a limit of 10,000 yen), and if it is within the amount, it can be used repeatedly, and there is no need to apply for it or make a credit inquiry each time a product is purchased. In addition, if the limit amount is used up in a certain period before the data registration on the second system side, it cannot be used and the usage limit is limited. Can be prevented. In addition, by setting the usage limit to a relatively small fixed limit, it is possible to issue a credit card immediately in response to a request for issuance of a credit card using only a simplified credit check.
  • the member data is registered on the second system side, it is not regulated by the usage limit written on the credit card, and it usually goes through a check based on the information of the second system such as a credit sales company. It functions as a credit card. Therefore, the credit card issued immediately according to the customer's request can be used as a continuous credit card.
  • the information to be registered as management information may be a certain date information or a usage limit.
  • the deadline is not managed in the first system, and as shown in Fig. 4, the second system is inquired about the availability of the credit card each time the credit power is used.
  • the second system When the member master file is incomplete in the second system, the second system responds to that effect, and as a result, the first system decides whether or not to use the credit card, and the second system When the member master file is completed in, the second system determines whether or not the credit card can be used, and notifies the first system of the result. In this case, the judgment as to whether or not the credit card can be used is the same as described above, and is omitted.
  • the first system checks its own management information and the management information of the credit card each time the credit card is used, and the'I Seiho confirms the availability of the credit card.
  • the decision is made by the own system as described above.
  • the member master file is completed in the second system and the second system can manage the credit card by itself
  • the first system is notified to that effect, and the first system is based on the notification. Therefore, the management information is changed so that the credit card can be used or not can be judged by the second system, and then the credit card can be used or not can be judged by the second system.

Abstract

La présente invention concerne un système de cartes de crédit permettant de délivrer instantanément une carte de crédit dans un magasin ou autre lieu analogue et d'utiliser la carte de crédit dans la limite d'un montant total déterminé, pendant une période déterminée qui commence lors de la délivrance pour enregistrement auprès d'un institut de crédit, sans référence relative au crédit. Quand la carte est délivrée, la partie du système qui est gérée par le magasin enregistre une date future pour l'expiration de la période déterminée, par exemple deux semaines plus tard, dans une colonne (3) de renseignements de gestion figurant sur la carte de crédit (1), et il enregistre aussi le montant limite dans une colonne correspondante (4). Du côté de l'institut de crédit, le système effectue un contrôle relatif au crédit et se prépare ensuite à enregistrer un fichier maître de membre. L'enregistrement du membre est habituellement achevée avant l'expiration de la période fixée. Quand l'utilisateur d'une carte achète des marchandises, un processeur (10), côté magasin, vérifie la valeur numérique de la colonne d'information de gestion (3) et, quand la carte est utilisée durant la période en question, aucune vérification auprès du système n'est faite côté société de carte de crédit, mais l'utilisation de la carte de crédit est permise dans la limite du montant indiqué dans la colonne du montant limite (4). La somme utilisée est soustraite de celle de la colonne du montant limite (4). D'autre part, quand la carte est utilisée après la fin de la période précitée, on procède à une vérification de la manière normale et, du côté de la société de cartes de crédit, le système évalue l'utilisation de la carte en faisant référence au fichier maître.
PCT/JP1996/000865 1995-05-02 1996-03-29 Systeme de carte de credit et procede d'utilisation d'une carte de credit selon ce systeme WO1996035185A1 (fr)

Priority Applications (5)

Application Number Priority Date Filing Date Title
GB9723058A GB2316215B (en) 1995-05-02 1996-03-29 Credit card system and method of using credit card with such credit card system
DE19681381T DE19681381B4 (de) 1995-05-02 1996-03-29 Kreditkartensystem und Verwendung einer Kreditkarte in einem derartigen Kreditkartensystem
KR1019970707492A KR100324890B1 (ko) 1995-05-02 1996-03-29 크레디트카드시스템및그를이용한크레디트카드의이용방법
AU51225/96A AU698874B2 (en) 1995-05-02 1996-03-29 Credit card system and method of using credit card with such credit card system
EP96907725A EP0829813A4 (fr) 1995-05-02 1996-03-29 Systeme de carte de credit et procede d'utilisation d'une carte de credit selon ce systeme

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP7/131206 1995-05-02
JP7131206A JP3047092B2 (ja) 1995-05-02 1995-05-02 クレジットカードシステム及び該システムを用いたクレジットカードの利用方法

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WO1996035185A1 true WO1996035185A1 (fr) 1996-11-07

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PCT/JP1996/000865 WO1996035185A1 (fr) 1995-05-02 1996-03-29 Systeme de carte de credit et procede d'utilisation d'une carte de credit selon ce systeme

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US (1) US5777306A (fr)
EP (1) EP0829813A4 (fr)
JP (1) JP3047092B2 (fr)
KR (1) KR100324890B1 (fr)
CN (1) CN1183153A (fr)
AU (1) AU698874B2 (fr)
DE (1) DE19681381B4 (fr)
GB (1) GB2316215B (fr)
WO (1) WO1996035185A1 (fr)

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JPH08305934A (ja) 1996-11-22
EP0829813A1 (fr) 1998-03-18
EP0829813A4 (fr) 2001-10-31
US5777306A (en) 1998-07-07
KR19990007968A (ko) 1999-01-25
AU698874B2 (en) 1998-11-12
JP3047092B2 (ja) 2000-05-29
GB2316215A (en) 1998-02-18
AU5122596A (en) 1996-11-21
GB2316215B (en) 1999-10-06
DE19681381T1 (de) 1998-04-23
GB9723058D0 (en) 1998-01-07
KR100324890B1 (ko) 2002-06-29
CN1183153A (zh) 1998-05-27
DE19681381B4 (de) 2006-03-02

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